26 days interest-free repayment
Alliance Bank Visa Infinite Business Credit Card - Cashback or Reward Points
Alliance Bank Visa Infinite Business Credit Card allows you to choose to earn cashback or reward points. Every Ringgit you spend on retail purchases is worth both options.
If you are in favour of the cashback benefit, you can earn 0.25% cash back for purchases of up to RM10,000. Yes, there's no minimum purchase required!
If you spend between RM10,001 and RM100,000, you can enjoy 0.5% cashback, meanwhile, the cashback is 0.8% for spending between RM100,001 to RM200,000. If you spend more than that, you can earn the highest cashback rate of 1.5%. The maximum cashback is capped at RM300,000 per month.
On the other hand, you can opt for Timeless Bonus Points (TBP) with no expiry date.
For every Ringgit you spend on retail purchases locally, you can earn 1x Timeless Bonus Points. Besides that, you can earn double the TBPs for your retail purchases overseas.
Bear in mind that petrol and government-related expenses will not be rewarded with Timeless Bonus Points.
0% Interest Flexi Payment Plan (FPP)
For your overseas business spending, you can opt to repay with zero interest, provided that you hit a minimum conversion amount of RM5,000.
You can stretch your business spending repayment for up to 12 months with this plan, subject to meeting a monthly spending requirement.
- 3 months FPP: RM1 to RM10,000
- 6 months FPP: RM10,001 to RM100,000
- 9 months FPP: RM100,001 to RM200,000
- 12 months FPP: Above RM200,000
Despite the Flexi Payment Plan's zero interest rate, it's better to repay on time. Otherwise, Alliance Bank will charge you 18% per annum on the outstanding monthly instalment or the entire amount, depending on the decision from the bank.
Complimentary Airport Lounge Access Around the World
As cardholders who travel frequently for business, you can enjoy up to 9x complimentary access to participating Plaza Premium Lounge worldwide and 9x free passes to Travel Club Lounge.
Please note that you can only enjoy this privilege per calendar year and are subject to meeting the monthly statement balance requirements.
| Monthly Statement Balance | Complimentary Airport Lounge Access (Per Month) |
| RM1 to RM10,000 | 0x access |
| RM10,001 to RM100,000 | 1x access |
| RM100,001 to RM200,000 | 2x access |
| Above RM200,000 | 3x access |
To view the terms and conditions for Plaza Premium Lounge, see here.
To view the terms and conditions for Travel Club Lounge, see here.
Alliance Bank Visa Infinite Business Credit Card Finance Charge
What is the interest rate imposed on repayments?
| Conditions of Repayments | Tiered Interest Rate (p.a.) |
| Prompt Repayment every month | 15% |
| Prompt Repayment 10 out of 12 months | 17% |
| Prompt Repayment of less than 10 out of 12 months AND New Cardmembers | 18% |
Previously, the finance charge is only imposed on the below that are not paid after the payment due date:
- Retail transaction - finance charge is calculated from the posting date till full payment is made
- cash advances/withdrawal transaction - finance charge is calculated from the transaction date
The finance charge is now based on the prevailing tiered interest rate (above) and will be imposed on any of your outstanding balances including All Fees and Charges (except late payment charges).
These are carried forward from the previous statement until the outstanding balances are settled in full.
All Fees and Charges include:
- Retail Transactions
- Annual Fee
- Cash Advance Fee
- Card Replacement Fee
- Statement Copy Fee
- Sales Draft Retrieval Copy Fee
- Any other form of service of a miscellaneous fee (if any) EXCEPT Late Payment Charges
A late payment charge of 1% will be imposed if the minimum payment is not made by the payment due date. This is subject to a minimum of RM10, whichever is higher up to a maximum of RM100.
This change in Finance Charge will not have any impact if you do not have any unpaid outstanding balance.
You will continue to enjoy a 26-day interest-free period, provided that the outstanding balances of your Alliance Bank Visa Infinite Business Card are carried forward from the previous month's statement cycle and are paid in full.
